Compare Ford Focus Insurance Quotes in Raleigh

Insurance for Ford FocusWe don’t have to point out that fact that car insurance companies don’t want policyholders to shop around. Consumers who shop around are very likely to switch insurance companies because the odds are good of finding a policy with better rates. Remarkably, a study showed that people who routinely compared rates saved about $3,400 over four years compared to people who never shopped around for cheaper prices.

If saving the most money on auto insurance in Raleigh is your ultimate target, then learning about how to get rate quotes and compare coverages can save time, money, and frustration.

If saving money is your primary concern, then the best way to find cheaper quotes for Ford Focus insurance in Raleigh is to compare prices once a year from different companies who sell auto insurance in North Carolina.

  1. Try to comprehend policy coverages and the things you can control to prevent expensive coverage. Many rating factors that result in higher prices such as traffic citations, accidents, and a not-so-good credit history can be eliminated by making small lifestyle or driving habit changes.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while independent agents can quote prices from multiple sources.
  3. Compare the new rates to the premium of your current policy to determine if you can save on Focus insurance. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
  4. Provide proper notification to your current company of your intention to cancel your existing policy. Submit a down payment and signed policy application to your new carrier. Once the paperwork is finalized, store the certificate verifying proof of insurance with your vehicle’s registration.

An essential thing to point out is to compare the same amount of coverage on each price quote and and to get rates from every company you can. Doing this provides the most accurate price comparison and a good representation of prices.

How to compare Ford Focus insurance quotes in Raleigh, NC

Most major insurance companies such as Allstate and Progressive make it easy to get price estimates online. Comparing prices online for Ford Focus insurance in Raleigh is quite easy as you just enter the amount of coverage you want as detailed in the form. Behind the scenes, their system makes automated requests for credit information and your driving record and returns pricing information based on the data you entered. Getting online price quotes for Ford Focus insurance in Raleigh streamlines rate comparisons, and it is important to do this if you are searching for cheap prices.

To quickly find out how much you’re overpaying now, compare rates from the companies below. If you have coverage now, it’s recommended you enter the coverages as close as possible to your current policy. This helps ensure you will get rate quotes based on identical coverages.

The companies shown below have been selected to offer comparison quotes in Raleigh, NC. If your goal is to find the cheapest car insurance in NC, we suggest you get rate quotes from several of them to get the best price comparison.

Insurance coverage analysis

The rate information displayed next outlines a range of coverage costs for Ford Focus models. Having a better idea how policy premiums are determined can be valuable when making smart choices when selecting a coverage provider.

Ford Focus Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $186 $398 $336 $20 $100 $1,040 $87
Focus SE 4-Dr Sedan $186 $398 $336 $20 $100 $1,040 $87
Focus SEL 4-Dr Sedan $186 $470 $336 $20 $100 $1,112 $93
Focus SES 4-Dr Sedan $186 $470 $336 $20 $100 $1,112 $93
Focus SE 2-Dr Coupe $214 $470 $380 $22 $114 $1,200 $100
Focus SES 2-Dr Coupe $214 $470 $380 $22 $114 $1,200 $100
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in your specific Raleigh location which can lower or raise premiums considerably.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The comparison tables below illustrate the costs and benefits when you choose different policy deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $186 $386 $250 $14 $74 $935 $78
Focus SE 4-Dr Sedan $186 $386 $250 $14 $74 $935 $78
Focus SEL 4-Dr Sedan $186 $456 $250 $14 $74 $1,005 $84
Focus SES 4-Dr Sedan $186 $456 $250 $14 $74 $1,005 $84
Focus SE 2-Dr Coupe $214 $456 $282 $16 $84 $1,077 $90
Focus SES 2-Dr Coupe $214 $456 $282 $16 $84 $1,077 $90
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Ford Focus insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $104 $204 $250 $14 $74 $646 $54
Focus SE 4-Dr Sedan $104 $204 $250 $14 $74 $646 $54
Focus SEL 4-Dr Sedan $104 $240 $250 $14 $74 $682 $57
Focus SES 4-Dr Sedan $104 $240 $250 $14 $74 $682 $57
Focus SE 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
Focus SES 2-Dr Coupe $118 $240 $282 $16 $84 $740 $62
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can affect insurance rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs about $26 more each month or $312 for a full year across all Ford Focus models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 35 months between claim filings, you would probably save some money by going with a higher deductible.

Will just any policy work for me?

Always keep in mind that when comparing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect thatDrive safe and save
These are some specific questions might help in determining whether you could use an agent’s help.

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

You may need advice from an insurance agent

Many drivers just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases One of the benefits of comparing car insurance online is you may find lower premium rates and still choose a local agent. And supporting local insurance agents is definitely important in Raleigh.

Find insurance agent in RaleighTo find an agent, once you fill out this simple form, your insurance data is sent to insurance agents in Raleigh who will give you quotes for your business. There is no reason to find an agent as quotes are delivered directly to your email. You can find the lowest rates and a licensed agent to work with. If you wish to get a rate quote from one company in particular, you would need to visit that company’s website and submit a quote form there.

When looking for a reputable agency, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Agents in Raleigh are categorized either independent agents or exclusive agents.

Independent Agents

These type of agents do not have single company limitations and that is an advantage because they can write policies with any number of different companies and find the cheapest rate. If they quote lower rates, your agent can switch companies and you can keep the same agent.

When comparison shopping, we recommend you get rate quotes from independent agents to get the most accurate price comparison.

Below is a partial list of independent agencies in Raleigh that can possibly get you free car insurance quotes.

2626 Glenwood Ave #300Raleigh, NC 27608(919) 832-6667View Map

8117 Ebenezer Church RdRaleigh, NC 27612(919) 782-1560View Map

309 W Millbrook Rd #151Raleigh, NC 27609(919) 786-1960View Map

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Exclusive Car Insurance Agencies

These agents generally can only insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agencies are highly trained on the products they sell and that can be a competitive advantage.

Below is a short list of exclusive agencies in Raleigh willing to provide price quotes.

8212 Creedmoor Rd #101Raleigh, NC 27613(919) 847-9774View Map

1033 Oberlin Rd Ste 200Raleigh, NC 27605(919) 755-1133View Map

5603 Creedmoor RdRaleigh, NC 27612(919) 782-6666View Map

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Choosing the best insurance agent requires you to look at more than just the bottom line cost. You should also get answers to these questions.

Once you have received acceptable answers to any questions you may have and a good coverage price, you’ve probably found an auto insurance agent that can be relied on to adequately provide car insurance. Just be aware that policyholders can terminate coverage at any time so never feel that you are permanently stuck with a specific company for a certain time period.

Best auto insurance in Raleigh

Selecting a highly-rated insurer can be difficult considering how many companies sell insurance in North Carolina. The company information shown next could help you analyze which auto insurance companies to look at comparing rate quotes with.

Top Auto Insurance Companies in Raleigh
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies